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Life => Money => Topic started by: insensitive on September 23, 2011, 04:58:21 pm

Title: Other places to save in other than banks
Post by: insensitive on September 23, 2011, 04:58:21 pm
sis kung member ka ng PAG-IBIG, meron silang bagong  PAG-IBIG II savings program,6% annual interest tax free
naka locked  lang sya sa 5years or 10years..
minimum is 500,maximum is 1500 monthly

mas malaki yun kesa sa banks, tax free pa.
meron sa website nila www.pagibigfund.gov.ph (http://www.pagibigfund.gov.ph), andun yung downloadable forms ipapasa lang sa branch
mas okay sya para sa akin
Title: Re: Re: Other places to save in other than banks
Post by: insensitive on September 23, 2011, 04:59:35 pm
pwede pala yun sis one time payment tapos hintayin mo na lang yung maturity niya, let say 5years
Title: Re: Re: Other places to save in other than banks
Post by: anerba :) on September 23, 2011, 06:51:58 pm
hmmm....interesting! thanks for sharing. Share ko rin to kay hubby para mapagaralan namin at kapag okay talga pwede dito kami magsave.

God bless to all!
Title: Re: Re: Other places to save in other than banks
Post by: chyk on September 25, 2011, 08:17:04 am
sa ngayon dun muna ako sa security bank, yung build up savings nila since starting palang kami and hindi pa ganun kalaki ang ipon namin. 5k lang ang maintaining, pero yung interest niya parang sa time deposit dun. tapos pag medyo lumaki na, ttry namin yung parang sa online nila, mas malaki naman daw ang interest nun 3% at 10k minimum. ang maganda dun sa build up savings ng security bank, pwede ka mag withdraw ng 3x max per quarter for emergency purposes, unlike sa time deposit na wait mo pa na mag mature sya =)

pag malaking malaki na, ttry ko na din yung sa pag ibig kasi 6% naman ang interest hehe
Title: Re: Re: Other places to save in other than banks
Post by: happymama on September 25, 2011, 11:14:43 am
share ko lang sis,

ako naman yung last pay ko, nung nag work pa ako, inilagay ko po sa 1 time put up, kasi yung pera mo eh, 4 percent ang tubo every month. mas malaki ang amount na nilagay mo, mas malaki din ang tubo.
 at makukuha mo sya by december.

at start naman ng january, para sakin kasi ok yun eh, mas malaki pa makukuha mo by december, compare sa bank....... pero ok din po yung bank.

Title: Re: Re: Other places to save in other than banks
Post by: MotherG on November 15, 2011, 09:01:44 pm
hi mommies!  very timely itong thread na ito!  Salamat sa info.  God bless everyone!
Title: Re: Re: Other places to save in other than banks
Post by: galathea on November 15, 2011, 09:09:07 pm

Mga sis and mga fellow mommies, aside from savings, current and time deposit accounts in banks, my husband and I also venture into stock options, kailangan lang matyaga ka magbasa at mag-aral ng trend sa market...

But for now, stop muna kami kasi we are still paying for a property we just purchased...

Good luck mga sis and mga mommies sa ating respective financial ventures!

God bless!
Title: Re: Re: Other places to save in other than banks
Post by: SunlifeAdvisor on November 19, 2011, 12:56:48 am
That would depend on your goal. If your goal is to just find a safe place to keep your money, then the safest is to open a bank account.


But if your goal is for long term, lets say for retirement purposes, you can try stocks, bonds, mutual funds.


FYI, pagibig is a mutual fund
Title: Re: Re: Other places to save in other than banks
Post by: mommy_tl on December 30, 2011, 11:15:21 am
ang magandang option talaga is to save in different banks..for example, sa mutual funds, puwede kang mag-open sa 2 or 3 banks..

we have 1 mutual fund in metrobank. start is 5k and puwede mo syang dagdagan (min. ata is 1k)..nakalock sya for 6 mos..
we are also saving in a cooperative..that is my dad's account in the army pero ako nagsisave dun kasi malaki yung interest (6% per quarter)..

yung Market2x Mall din puwede kang mag-invest sa kanila..aside sa puwede mong iinstallment yung items eh kumikita pa pera mo..

happy saving everyone... :D
Title: Re: Re: Other places to save in other than banks
Post by: bargainsassymom on December 30, 2011, 11:30:32 pm
Ako talaga sis I'd recommend going into business para mas malaki kita.

But if ala time deposit yung hanap mo, another option that you can look at is the SDA na product ng BSP. I got SDA through BPI and mas malaki yung kita sa SDA than time deposit. similarly, you can take out the money after 1 month din or pwede mo iroll ulit. pero mas malaki yung initial amount na kailangan for SDA, Php50k.
Title: Re: Re: Other places to save in other than banks
Post by: insensitive on January 04, 2012, 01:15:36 pm
savings namin ngayon through coop dito sa office..2k kada sweldo so 4k a month(40share)..malaki interest income kasi ipinapautang din sa members..sabay sabay ang release ng members sa december..bale 11mos sya..ang interest income last dec sa P100 is P542..sana this year ganun din kalaki para meron ako P21,680 sa pasko!!
ay para sa anak ko pala yun hihi..
7years na ako sumasali sa ganito pero kasi kadalasan konti lang nakukuha ko pagdating ng dec kasi kaltas ang utang.this time sisikapin ko talaga na hindi bawasan...ayoko mawalan ang anak ko.
Title: Re: Re: Other places to save in other than banks
Post by: mommy irene on January 04, 2012, 02:07:42 pm
^ sis roch, katuwa naman yang coop niyo.. maganda talaga yan pang ipon for candice future, ako kasi konti lang kami sa office at walang nakakaisip ng ganyan.. eh maliit lang naman ang sahod ko kaya this time, gusto ko talaga i-career ang magsave kahit ba 300-500 every payday.. kung meron lang sana ako mapaglalagyan.. :(

kasi mga sisses, everytime na nag oopen ako ng bank, ilang months lang na-coclose ko na kasi may mga unexpected expenses, dun nagagamit PLUS alam niyo yung feeling na alam ko kasi na may pera ako, kaya minsan sasabihin ko sa sarili ko, "ay kuha muna ako tapos ibabalik ko na lang pero in the end, hindi na".. yung tipong ganun ba kaya ayun, hindi din nakakasave.. gusto ko sana yung secured at kahit pano may kita ng konti.. eh yung opening ng passbook ang lalaki, di ko keri..

hayyyysss, ang hirap mag isip san ilalagak ang kakarampot na kita..  ;D
Title: Re: Re: Other places to save in other than banks
Post by: insensitive on January 04, 2012, 02:27:31 pm
oO nga sis..yung P21,680 interest income lang yun plus yung share pa na 4kmonthly x 11mos..so may P65,680 ako in 11mos..wooohooo.tinatanim ko talaga sa utak ko yan para hindi ko mabawasan. pag sa bank kasi konti lang ang income diba..
naishare ko na din to sa isang thread..
sa BDO sis yung junior savers club ba yun..mas maliit yun,.para makapag ipon ka din kay basti
Title: Re: Re: Other places to save in other than banks
Post by: mommy irene on January 04, 2012, 03:32:02 pm
^ uu nga sis eh, i-aapply ko na si basti sa BDO jr savers.. as for my savings naman, yung ang iniisip ko kung paano.. sana may ganyan din akong masalihan, hahaha.. isipin ko lang na may ganyan tayong pera in one year, haayyy, panalo na!.. sarap lalong mag ipon ng mag ipon.. hehe..

tapos sis, hanap na ng inenegosyo ano,?!..  ;)
Title: Re: Re: Other places to save in other than banks
Post by: momgee on January 06, 2012, 05:25:46 pm


 Sobrang baba sa banks,I tried another investment instrument, stocks din. I joined Citisec. I was approved just today and funded it through net banking.Madami nga lang babasahin but It is better you know the trend.
Title: Re: Re: Other places to save in other than banks
Post by: momgee on January 06, 2012, 05:29:24 pm

   I signed under Citisec. I just funded it through net banking. Stock investment. I just have to be aware of the business trends para updated kung anong companies ok bumili ng shares.I signed the EIP.
Title: Re: Re: Other places to save in other than banks
Post by: jealousygirl on January 09, 2012, 10:09:49 am
Hi po mga ka Sp mommy.. isa rin ako sa mga hirap mag ipon. i do have save up BPI,, but then nakukuha ko at nauubos,, huhuhu.. kaya this year talagang eager ako na mag ipon,, nabasa ko po yung about sa pag ibig 2.. okay po ba talaga un,, kasi sa nabasa ko , safe tlaga at hindi mo basta basta makukuha, pag sa bank kasi may tendency na makuha pa rin, and about sa dividends nun,, pls mommy  help me to convince myself na dapat na mag save ako sa pag ibig,, by the way. pag ibig member na rin ako. as per our accountant kasi, sabi niya tataxan daw un,, true po ba? tas sabi ng isang ofismate ko, mababa raw mas better daw plan,, whaaaa.. nakakalito,, pls mommies,, advice me naman po,, here lang kasi ko na eenlighten. TIA...
Title: Re: Re: Other places to save in other than banks
Post by: bargainsassymom on January 21, 2012, 12:04:38 am
Sis jealousy girl,

suggest ko magtry ka muna magpalit ng buying habits. mahirap kasi mag invest if nagagastos din agad. yung friend ko has the same problem so she enrolled dun sa bpi na Save Up Automatic Savings para hinihiwalay niya ng bank account yung savings mo.

then if nakaipon ka na ng mas malaking account, ilagay mo sa time deposit or SDA para hindi mo pwede galawin for a month or a longer period of time, depends sa piliin mo.
Title: Re: Re: Other places to save in other than banks
Post by: two_angels'_mom on January 21, 2012, 03:04:22 am
^@ mommy irene, sis pareho tayo ganyan din nangyayari saken pag nag-oopen ako ng bank acct so nagdecide ako sumali din ng cooperative sa office namen since yung ikakaltas sayo hahatiin nila sa dalawa which is savings and capital shares..yung capital shares yun ang pinapautang nila so me interest din yun pero mawiwidraw mo lang to pag nagwidraw ka ng membership from the coop..pero yung savings pwede mo sya widrawin anytime para lang sa banko pero kailangan mo mag-iwan ng 1k parang maintaining balance..so okay pa din kasi me matitira at kahit mawidraw ko lahat ng savings except dun sa 1k me matitira pa din sa pero which is the capital share na tumutubo pa din..tapos me choice ka din if magkano lang gusto mong savings..from as little as 200 per payday..100 goes for the capital share the rest sa savings..

treasury bonds din okay daw..just dont know how it works pero yung barkada ko nung naretrench kami sa first job namin yung severance pay niya ipinasok niya sa treasury bonds tapos yun ang pinanggamit niya pambili ng kotse niya :)
Title: Re: Re: Other places to save in other than banks
Post by: mommy_tl on January 21, 2012, 09:36:13 am
yung money na iniinvest in T bonds are used by the government.. minimum of 5000 yung pwedeng iinvset dito..
the interest for a 3-year bond is 8.5%, pag 5 years naman is 9%..interest is paid every quarter subject to 20% withholding tax..
eto yung sample computation na nakita ko online:
■Investment Amount: Php50,000
■Invested in: 3-year RTB paying 8.50% coupon
■Gross Quarterly Interest: Php1,062.50 (Php50,000 x 8.50% x 1/4)
■20% Withholding Tax: Php212.50
■Net Interest to be Received: Php850.00 every quarter

 :D :D :D
Title: Re: Re: Other places to save in other than banks
Post by: momgee on January 21, 2012, 11:04:53 am

  Meron po yata ng Treasure bonds ang Pag Ibig? Or san ba maganda?
Title: Re: Re: Other places to save in other than banks
Post by: toughmom moderator on January 31, 2012, 05:35:30 pm
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Title: Re: Re: Other places to save in other than banks
Post by: mommy_tl on February 23, 2012, 11:54:11 am
i just wanna share this:

we received a dividend share of about 25% of our investment sa cooperative namin. i would like to suggest to all moms na if may alam kayong stable coops, might as well join kasi aside from your money earning interests, you'll also get some dividend share. plus you can avail of some privileges your coop offers. :)
Title: Re: Re: Other places to save in other than banks
Post by: lai_lanzaderas on February 29, 2012, 01:18:15 pm
after I reached our target emergency fund, we invested in mutual funds (PAMI's PSGF and PFI) and stocks (thru BPI Trade).

the fund and investments are gone because we built a house last year. 

we're starting all over again.  same approach, we will build first our emergency fund and then invest.
Title: Re: Re: Other places to save in other than banks
Post by: imeego on February 29, 2012, 03:06:54 pm
my husband and i opted to invest our money thru sda, i think it has a relatively higher interest rate than time deposit and it is under bsp so i believe it is safer.....we also decided to place some money in our inlaws' business which has a guaranteed annual interest, at least kumikita pa din kahit paano :)
Title: Re: Other places to save in other than banks
Post by: mrstamby on September 08, 2012, 05:45:36 pm
Mga sis!

Just stumbled upon a new product, I think eto na yung product na hinahanap talaga ng moms and dads na tulad natin.

If you are interested to check out the details, just PM or email me at arianemallari@live.com.ph

Exclusive kasi sa company namin yung pagoffer ng investment na to eh, just thought you might also be interested kasi nagandahan talaga ako sa product.
Title: Re: Other places to save in other than banks
Post by: mamacharis on September 15, 2012, 06:18:01 pm
kagaya ng ibang mommies sa stocks din ako for retirement sana. hindi ko masyado inaral binasa ko lang book ni bo sanchez hindi ako nag buy n sell. pag may pera hulog agad then bili stocks. minsan puro red lahat ng stocks ko may time naman na green lahat kaya happy ako.
Title: Re: Other places to save in other than banks
Post by: Shey on September 18, 2012, 02:09:51 pm
Hello Mommies!  puwede rin yung VUL ng Sun Life.  Insurance tapos may investment purposes.  Para sa educ fund ng anak ko kumuha kami ni hubby nito.  puwede rin to for retirement. Opted for a minimum face amount since ang purpose namin is for higher earnings and mag- add na lang kami ng excess premiums para pambili ng additional units for investment. Yung units na binili ay invested sa equities, bonds. Heto yung product na best of both worlds ang term nila.If interested you can pm me.
Title: Re: Other places to save in other than banks
Post by: AbbeAndCaleb on September 19, 2012, 03:26:55 pm
mutual funds such as those offered by Sunlife and cooperatives ang magandang pag-investsan ng savings mo. basta sis, diversify lang...

sa mutual funds you can get returns as low as 5% per annum,sa cooperative naman, depended sa dividends . nasubukan ko na yung sming employee coop nagdividend ng 50% so maganda talaga. Just choose a stable cooperative and also be a responsible member. ang maganda sa coop, you can even avail loans based on your fixed deposit at very low interest rate .

Most cooperatives offer 12% per annum na loan rate! example, you have 25,000 as your fix deposit at the time of the loan - you can avail loans twice that amount - 50,000 payable in 1 year.

I'm now 31 years old and i've been a member of a cooperative since I'm 18. it has helped me a lot ever since to save and have access to loans whenever i needed it.

Have an abundant life. God bless!
Title: Re: Other places to save in other than banks
Post by: jho_advisor on September 26, 2012, 04:19:43 pm
Hi! mga Mommies!

VUL products offered by Life Insurance is a great investment aside from bank. and very flexible.  You only have to save and at the same time naka insured k pa. Magagamit mo ito for your child's education, retirement or even in business. Hindi rin ito mag la lapse and ma me mainttain mo yung insurance basta hindi bababa yung money for the minimum amount of P20,000

Invest your money  in fixed income fund, equity, balance and growth fund.

It is your time to invest now to earn more..

Title: Re: Other places to save in other than banks
Post by: Morefun on October 07, 2012, 07:07:18 pm
Wow, I like this topic!  Yes, there so many places where you can put your savings other than the banks....you can put it into mutual funds, stocks or equities, government bonds, pagibig, pensions, insurance and much much more!  For more info, check out mutual funds in the Philippines or the book Pera Mo, Palaguin Mo by Francisco Colayco.  You may also visit the websites of different banks and you will see that there are more to money than just putting it into a savings/current account. 
Title: Re: Other places to save in other than banks
Post by: Firstymom&SAHM on October 22, 2012, 06:07:15 pm
subscribing...
Title: .
Post by: Caddin on October 22, 2012, 10:51:28 pm
Ano po ang "SDA"? :-) which is better: invest in pag-ibig or SDA?
Title: Re: Other places to save in other than banks
Post by: MmyJorayma on October 23, 2012, 12:39:27 pm
i got my kids tig1 mutual fund account for 5K each. then hinuhulugan ko ng 1K every month. mas mataas kasi interest niya than banks.. di ka talo dahil u get to beat inflation rate. ...
Title: Re: Other places to save in other than banks
Post by: mami che on October 23, 2012, 12:48:56 pm
subscribing too..  :)
Title: Re: Other places to save in other than banks
Post by: Liabella on October 23, 2012, 03:52:47 pm
i got my kids tig1 mutual fund account for 5K each. then hinuhulugan ko ng 1K every month. mas mataas kasi interest niya than banks.. di ka talo dahil u get to beat inflation rate. ...

Sis,
Inform me how? Anong mutual fund?...thanks..tia!
Title: Re: Other places to save in other than banks
Post by: Firstymom&SAHM on October 23, 2012, 04:35:23 pm
^ me too..pwede pala na sa kid ipapangalan ang mutal fund then yung parents ang magmomonitor?
Title: Re: Other places to save in other than banks
Post by: laivalenzuela on October 25, 2012, 01:12:19 am
i got my kids tig1 mutual fund account for 5K each. then hinuhulugan ko ng 1K every month. mas mataas kasi interest niya than banks.. di ka talo dahil u get to beat inflation rate. ...

sis interested din ako diyan paano ba yan?
Title: Re: Other places to save in other than banks
Post by: DivaSasha on October 25, 2012, 02:58:03 am
MOMMIES!
ano po yung mutual fund? tia! :)

http://www.facebook.com/ilovegurlyglamshoppe (http://www.facebook.com/ilovegurlyglamshoppe)
Title: Re: Other places to save in other than banks
Post by: anhing on October 25, 2012, 11:21:50 am
*** subscribing...

I have a mutual fund invested via Sunlife. Next year, mag-open din aku for my daughter, kahet 1K every month. By the time she finished college, il give it to her as a gift.  ;)
Title: Re: Other places to save in other than banks
Post by: mami che on October 25, 2012, 04:23:33 pm
Because of this thread, nagplan tuloy ako na magpamember ng coop sa tita ko  :) nextweek, yan ang target ko ;) thanks sp moms  :D
Title: Re: Other places to save in other than banks
Post by: mamacharis on October 25, 2012, 07:14:32 pm
hi mga sis!

@anhing sis  ask ko lang hindi ba nakakatakot sa mutual fund ng sunlife? (example sunlife ) kasi hindi natin alam kung for the next 5 to 10 yrs ok pa din sila? natanong ko lang curious ako.

Title: Re: Other places to save in other than banks
Post by: anhing on October 26, 2012, 10:43:15 am
hi mga sis!

@anhing sis  ask ko lang hindi ba nakakatakot sa mutual fund ng sunlife? (example sunlife ) kasi hindi natin alam kung for the next 5 to 10 yrs ok pa din sila? natanong ko lang curious ako.

hi sis, si sunlife lang nagmamanage ng investment but it's not like an insurance company (cap, etc.) na sa kanila nak-invest yung money mu. here, it's like sunlife will also invest it in another entity na market ang ngddictate kung magkanu interest na ma-eearn mu. pareho lang halos kung sa bank ka mag-invest ng mutual fund. well that's what i know, perhaps a nother mom who knows more about it;s nature can help..

and ang maganda dun sa nakuha ku, i can withdraw and pull it out at a certain year kahet hinde pa sya matured.

i think pag na-orient ka sa nature ng investment like that of the mutual fund, hinde kn matatakot. i had my inkling with sunlife at first, i suggest you prepare all your questions pg nkaharap mu na yung agent nila, before ka din mg-sign-up.

good luck sis!  ;)
Title: Re: Other places to save in other than banks
Post by: DivaSasha on October 26, 2012, 11:21:48 am
@anhing

mommy, magkano po minimum investment dun?

http://www.facebook.com/ilovegurlyglamshoppe (http://www.facebook.com/ilovegurlyglamshoppe)
Title: Re: Other places to save in other than banks
Post by: angelicabo on October 26, 2012, 02:19:44 pm
ano po yung mutual funds?
Title: Re: Other places to save in other than banks
Post by: mommyonsale on October 26, 2012, 03:39:12 pm
Hi mga moms here I am again... Si hubby ko ayaw na magtiwala sa ganito pero ako gusto ko ulit subukan. Kasi kami naghuhulog before sa Prudential life dapat nga makukuha na ni hubby yun kapag 30 years old na sya kaso nga napurnada dahil bancrupcy.. haysss... Magsisimula ulit kami kaso ayaw na ni hubby nadala na sya kasi apat na entities ang nawala sa amin. Kaya sabi niya sa mga bangko na lang daw eh kaso mo wala naman ako alam.. sda hindi ko alam. hehe.. si hubby kasi lahat ang nag aasikaso.. ngayon kasi wala sya nasa abroad kaya ako lahat ang desisyon. Yun lang pagdating sa pera kaming dalawa... Super like ko tong topic na toh para naman makapg ipon talaga kami at naway mapunta talaga sa amin yung pera... hehe... Bitter labg sa previous na nangyari...
Title: Re: Other places to save in other than banks
Post by: Firstymom&SAHM on October 27, 2012, 12:45:37 am
punta ka lang ng bank. tell them interested ka mag invest.marami kasing clase ng investment isa na nga yung mutual fund na less risk. ipapaliwanag naman nila yun sayo and meron silang papasagutan sayo para matulungan ka or ma assest kung anong bagay na investment sainyo.
Title: Re: Other places to save in other than banks
Post by: BlueAby on October 30, 2012, 10:30:07 am
Question po mga mommies

Ano po difference ni Tbonds sa Mutual Fund? Which is safer po? Kasi mababa pa po ang Risk Appetite ko  ;D
Title: Re: Other places to save in other than banks
Post by: ice_mint on November 10, 2012, 08:14:27 pm
i invest my money under prulife uk :) naggift na din ako ng policy for my baby para may savings na siya as early as now. malaki din ang kita because there are a lot of investment options. to those who wants less risk, pwede sa bonds. more or less 8% interest rates.

minimum is 1k only kaya very affordable. if u want more details, i can pm it naman.

important talaga na magsave up para sa future natin
Title: Re: Other places to save in other than banks
Post by: BlueAby on November 15, 2012, 04:18:23 pm
mommies, got mail from BPI, tumaas na yung SDA nila 500k na daw ang minimum.
Im still thinking kung UITF or Mutual Fund ang kukunin ko.
Title: Re: Other places to save in other than banks
Post by: sether on November 20, 2012, 09:05:31 pm
mga sis ano po bang investment pwede starting of 1k? So far yan palang kasi kaya ko. I want to invest din for my kids. Yung makukuha nila this xmas gusto ko din e save/invest then monthly siguro i'll add 1k
Title: Re: Other places to save in other than banks
Post by: mommynigabby on December 04, 2012, 05:16:31 pm
mga sis yun bang mutual fund eh may holdingperiod? at obligado ka ba na maghulog monthly? naisip ko kasi gusto ko ng investment na hindi ko pwedeng withdrahin kahit 6 mos lang at yung obligado akong bayaran buwan buwan para yung sideline ko mapunta talaga sa investment... hirap kumita ng pera pera minsan ang hirap magpigil bumili... hindi naman luho pero nakakamiss lang minsan yung luwag sa pera nun dalaga pako... :) diko na kasi magawa yun now..
Title: Re: Other places to save in other than banks
Post by: alec_18 on December 04, 2012, 06:04:40 pm
i invested in sunlife, 1.5 k every month..it's good kc anytime naman pwede mo sya i withdraw, but it's advisable na palaguin mo muna before mo sya kuhanin..
Title: Re: Other places to save in other than banks
Post by: lai_lanzaderas on December 05, 2012, 01:01:33 pm
mutual fund and stocks
Title: Re: Other places to save in other than banks
Post by: sether on December 30, 2012, 09:37:25 am
@alec, how much po minimum investment dyan sa sunlife?
Title: Re: Other places to save in other than banks
Post by: anhing on January 03, 2013, 02:05:17 pm
@anhing

mommy, magkano po minimum investment dun?

http://www.facebook.com/ilovegurlyglamshoppe (http://www.facebook.com/ilovegurlyglamshoppe)

sis, ang alam ku ikaw ang mgddictate kung magkanu yung gusto mu iinvest monthly. then they will give you a sample computation in terms of interest income. ang pinaka-minimum is yung 1st 3 months, i-aadvance mu ang bayad. like if you decide to invest 1k monthly, ang initial payment would be 3k. pero madali kausap yung agent ku. pwedeng wala ng advance, ganung yung ginawa ku kc medyo malaki yung monthly ku eh.

if you're interested, pwede kita i-refer dun sa agent ku, mas magaling sya magpaliwanag... pm mu saken contact details mu so I can forward it to her.  ;)
Title: Re: Other places to save in other than banks
Post by: aerdan on January 22, 2013, 11:39:03 am
Hello mga mommies! Ako, in-open ko ng tig-isang bank account yung 2 kids ko.  Plan ko sana is to deposit there yung mga natatanggap nilang Christmas/bday money para educational fund nila.  Kaso, ang baba ng interest.  So, I tried investing in the stock market last December 2011. 

Monthly binabawasan ko yung account nila, pinapambili ko ng stocks ng big companies.  Happy naman kasi after 1 year, maganda ang returns. 

Compared sa 1-3% interest sa bank, I earned 24% when I sold some shares ngayong January 2013.
But, I get guidance from Bo Sanchez.  Nag-subscribe ako sa newsletter niya through this link:   http://trulyrichclub.com/ .  Yung na-earn kong profits, tinatabi ko, tapos re-invest ko lang uli yung capital by buying new shares.

4 years old and 1 year old pa lang yung kids ko.  Hopefully by the time they go to college, milyones na naipon ko. Hehe. :)
Title: Re: Re: Other places to save in other than banks
Post by: Learning Mom on January 30, 2013, 08:40:03 am
after I reached our target emergency fund, we invested in mutual funds (PAMI's PSGF and PFI) and stocks (thru BPI Trade).

the fund and investments are gone because we built a house last year. 

we're starting all over again.  same approach, we will build first our emergency fund and then invest.

Hi, Lai - what's your target for emergency expenses? how many month's worth of current expenses? or did you use another benchmark?
Title: Re: Re: Other places to save in other than banks
Post by: Learning Mom on January 30, 2013, 08:47:09 am
Hi po mga ka Sp mommy.. isa rin ako sa mga hirap mag ipon. i do have save up BPI,, but then nakukuha ko at nauubos,, huhuhu..

jealousygirl,  i can totally relate sa BPI Save Up.. ganyan din ako, haha..  Try reading my post here - http://wp.me/p37lNn-C

Title: Re: Other places to save in other than banks
Post by: GL and KL on February 04, 2013, 03:08:21 pm
MONEY MARKET, now is the best time to invest in our economy  ;D
Title: Re: Other places to save in other than banks
Post by: Caddin on February 08, 2013, 11:40:22 pm
Compared sa 1-3% interest sa bank, I earned 24% when I sold some shares ngayong January 2013.
But, I get guidance from Bo Sanchez.  Nag-subscribe ako sa newsletter niya through this link:   http://trulyrichclub.com/ .  Yung na-earn kong profits, tinatabi ko, tapos re-invest ko lang uli yung capital by buying new shares.

How did you start? How much was your initial capital?
Title: Re: Other places to save in other than banks
Post by: toughmom moderator on February 09, 2013, 12:18:11 am
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Title: Re: Other places to save in other than banks
Post by: mommy irene on March 15, 2013, 03:02:48 pm
^hi there.. same sentiments din po ako.. hindi ako makapag ipon ng tuloy tuloy kasi pareho pang nag gagatas at diaper ang kids ko pero i come across with a friend na agent ng sunlife.. nagsabi lang ako ng kaya kong iinvest kada buwan, then she gave me a computation.. nsa 650/month lang yung naging rate ko w/c is tamang tama para sa kin.. i have the option to extend it kasi good for 10years ito - puwede ko din i-cut ng 5 years depende sa kakayahan ko and puwede din iupgrade kung kaya ko na ng mas malaki ang hulog.. kinuha ko ito to secure my 2 children..  if you want po, pm me your numbers so i can refer you to her.. thanks po mommies.. malaking tulong itong thread na ito.. at least madami tayong choices kung san natin maaaring invest ang ating pera..
Title: Re: Other places to save in other than banks
Post by: BlueAby on March 22, 2013, 08:28:32 pm
I have attended before a seminar about Investments and mutual funds held by Philam. And by that nalaman ko na di lang pla saving ang maituturing natin na asset. Even yung mga pension, life insurance and educational plan din.
Naisip ko tuloy na dapat pala makastart na ako ng educational plan for my kids. Kaso po sa dami ng nababalita na nababankcrupt na mga nagbibigay ng educational plan.... pano po tayo makakasigurado na yung company na pagkakatiwalaan natin ay magtatagal talaga hanggang sa mag-aral yung mga anak natin?

Kasi diba mga mommies ang kapalit ng pag iipon natin for educational plan is magtitipid tyo... and pinaghihirapan natin yung kada sentimo na ihuhulog natin dun tapos ang ending eh di naman makukuha ng mga anak natin.
Title: Re: Other places to save in other than banks
Post by: BuhayMommy Blogger on March 22, 2013, 09:30:24 pm
Hi, signed up sa forex trading. May one on one training din pero may pay. Hindi pa ako maka go kasi medyo malaki,pero sabi nung kausap ko, maganda daw mag invest kasi real time e. Sabi din husband ko sa stock marketkamimag invest and pagaralan ko daw kasi maganda returns.

Title: Other places to save in other than banks
Post by: Caddin on March 27, 2013, 07:43:04 am
Hi Mommy Heart, how much initial investment mo sa forex? Ito ba yung currency exchange - dollars, pesos, etc?
Title: Re: Other places to save in other than banks
Post by: BuhayMommy Blogger on March 29, 2013, 08:03:51 am
Hi sis Caddin: Minimum of $100, you will be given a free training online plus a DEMO or practice account. The training and DEMO account is free. Let me know if you are interested sis para marefer ko sayo si Ronald. Kasi naisip ko din pag sa bank hindi nagalaw and magearn ng malaki ang savings ng mga bata in 20 years. And I also read about Bo Sanchez article on this, investing the earliest time, gagalaw yung money natin ng hindi natin namamalayan.
Title: Re: Other places to save in other than banks
Post by: toughmom moderator on April 06, 2013, 02:56:10 am
The time to prepare for retirement is now!
Starting Your Retirement Fund
(http://www.smartparenting.com.ph/images/site-alpha/articles/being-a-parent/starting_your_own_retirement_fund/woman-budget-main.jpg)

http://www.smartparenting.com.ph/home-living/homebase/starting-your-retirement-fund
Title: Re: Other places to save in other than banks
Post by: robinemz on April 23, 2013, 03:18:10 pm
kami ni hubby may 3 policies sa sunlife. it's aimed for our retirement and our kids education.

medyo gastador kasi ako.. yun bang pag alam kong may money pa sa bank eh magyayaya akong magshop. haha. but thinking about our kids and our future i realized that i needed to change my attitude. thank God naman na may friend pala akong nagiinvest na sa manulife and sunlife. kaya nung naginquire ako sa kanya, nirefer na niya ako agad sa mga agents niya. hubby and I scheduled meeting with both pero mas nagustuhan namin si sunlife.

with bank kase hindi sasabayan ng inflation rate yung pera mo.  i mean if you save 50k sa bank, after 2 years yung value nyan eh kikita lang ng maliit. but with investment and insurance companies like sunlife, aside from nakakainvest ka na, may insurance ka pa. :)
Title: Re: Other places to save in other than banks
Post by: erich84 on April 25, 2013, 04:35:30 pm
I think aside from saving in a bank reliable cooperatives would also give benefit for us. Like for instance if you are a member then you will be having a dividend share every year. I also plan to have a specific amount to be saved every month then naka lock sya into 5 years bago magalaw ang money mo. It also give 12% per annum and it's not bad. Cooperatives are also free of tax.
Title: Re: Other places to save in other than banks
Post by: certifiedmom on June 04, 2013, 01:52:39 am
Sa company po where i invested my money As of today yung performance depends sa funds is kung sa equity: 39.30% per annum, diversified 25.45%, and bond funds 25.68% ang kinita ng pera.
Title: Re: Other places to save in other than banks
Post by: zaneronquillo on December 04, 2014, 04:41:49 pm
Me and ny husband invested in One Lightning Corporation, more on profit sharing and  in 1-2 months guaranteed your investemnt will earn  with a much higher rate than the bank.
Title: Re: Re: Other places to save in other than banks
Post by: myfallingtears on December 05, 2014, 12:21:40 pm
share ko lang sis,

ako naman yung last pay ko, nung nag work pa ako, inilagay ko po sa 1 time put up, kasi yung pera mo eh, 4 percent ang tubo every month. mas malaki ang amount na nilagay mo, mas malaki din ang tubo.
 at makukuha mo sya by december.

at start naman ng january, para sakin kasi ok yun eh, mas malaki pa makukuha mo by december, compare sa bank....... pero ok din po yung bank.


Hi sis happymama!

Saan po yung 1 time put up? Sa bank nyo po ba? Thanks!